Virginia Auto Insurance
Virginia played host to more than half of the battles during the Civil War. And while property damage resulting from battles such as these aren’t a concern anymore, Virginians today must protect themselves from weather extremes, collisions, and other kinds of accidents that could cause serious damage to vehicles.
Auto insurance rates in Virginia can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help-- we’re happy to share our network and our knowledge with you-- so you can get the coverage you’re looking for at a price you’re comfortable paying.
Use the simple form below for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you’ll be ready to choose from our top-rated affordable carriers.
Required Auto Insurance Coverage in Virginia
Virginia drivers are required by law to meet the minimum liability coverage requirements, or they must prove that they are financially able to cover losses resulting from an accident. If you were the cause of an accident, liability insurance would pay for damages (up to the policy’s limits) of the other cars and people involved. Liability coverage only assists you with the costs for others involved in an accident-- it won’t compensate for injuries to you or damages to your vehicle.
State Minimum Liability Coverage in Virginia:
- BI or Bodily Injury: $25,000 per person, $50,000 total per accident
- PD or Property Damage: $20,000 per accident
To learn more about specific auto insurance coverage, take a deeper look our detailed Car Insurance Coverage page.
Optional Coverage in Virginia
Virginia drivers need only the listed minimums to be legally driving in this state; however, it is important to consider other factors that would make additional options, and higher limits, a good decision.
Below are some examples you may want to consider:
- Underinsured or Uninsured Motorist Coverage - Because drivers technically can drive without insurance in Virginia (after they jump through the required hoops), you may want to consider this type of insurance. If you’re hit by an uninsured driver, you may not get the compensation you need to cover injuries and damages caused by him. With this type of insurance, your provider would help pay for what the at-fault driver can’t.
- Collision Coverage - After an accident involving other vehicles, collision coverage would help pay for repairs to your car – up to the limits you’ve selected. The national average repair costs following a collision are nearly $3,000! Without collision coverage, those costs could be yours to cover.
- Comprehensive Coverage - For accidents that don’t involve other vehicles, this coverage type would help with damages caused by something other than a car collision such as hail dents, fire damage, and tornadoes.
- Higher Bodily Injury Limits - After an accident, injuries can range from minor to extensive. Either way – somebody must pay for hospital visits, ambulance rides, and treatment of injuries. And if you are at fault for an accident with injuries, you may quickly exhaust the minimum $25,000 per person. If you choose a higher BI limit, you could better protect yourself from potential expenses.
- Higher Property Damage Limits - Consider the fact that, many times, accidents cause damage to property over and above the cars involved. Fences, buildings, light poles, and other structures could add to your repair costs, and higher PD limits could help you cover these expenses.
Of course, it is not legally required of you to purchase these levels and types of coverage, but they will save you money, hassle, and headache in the event of an accident. To help you with your unique auto insurance coverage needs, call a licensed insurance specialist at AIS today.
Only a few states in the US are considered to be “no-fault”, and Virginia is not one of them. Because Virginia is a “fault” state – the person responsible for the accident must be determined before either party’s insurance company will make payments. Once fault is determined, the at-fault driver, and the insurance company, will be held financially responsible.
Virginia only adopts some elements of the no-fault system and the details can be a bit confusing. An AIS licensed insurance specialist can help you understand the complexities of no-fault state and find the best coverage for you.
Virginia Auto Insurance Discounts
There are discounts for pretty much anything you can buy, and auto insurance is no exception. At AIS, we know car insurance discounts, and want to help you get as many of those money-savers as possible. In addition, we can help you get the right coverage at a great rate. Some of the discounts you could qualify for include:
Just like anywhere you would choose to live, Virginia is home to hazards that require insurance protection. Accidents, injuries, and natural disasters can happen anywhere, but adequate insurance coverage could make these issues easier to handle. An AIS license insurance specialist could help you decide on the right policy for you, and answer any questions you have along the way. Call us today to see how we can help with your Virginia auto insurance needs!
To learn more about specific discounts, visit our Discounts page.
Give us a call to answer your questions, provide comparison rate quotes, or help you choose your best auto insurance policy.
Start a Virginia Insurance Quote Today: (888) 772-4247